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Debt Assessment
Review your debts, payments and financial picture to identify the pressure points and possible next steps.
A stronger financial future starts here
Take control of your debt. Rebuild with confidence.
S&J Credit Solutions helps you understand your credit position, identify practical debt solutions and move forward with a clear plan.
Personalisedsolution planning
Confidentialclient support
Clearnext steps
Our solutions
Practical help for complicated debt
We make the process easier to understand, so you can make informed decisions about your financial future.
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Debt Solutions
Explore suitable strategies for managing or restructuring debt based on your circumstances.
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Credit Guidance
Understand credit-report issues and the actions that can help you build healthier credit habits.
Simple process
Three steps to a clearer plan
1
Tell us where you are
Share your goals and the challenges you're facing.
2
Review your options
We help you understand the routes available and what each could mean.
3
Move forward
Choose your next step with a practical plan and ongoing clarity.
Debt snapshot
See how much of your income goes to debt
Use this simple calculator as a conversation starter. It is not a financial assessment.
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Understand your monthly pressure
See your estimated debt-to-income percentage.
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Prepare for your consultation
Bring the numbers that matter most to your review.
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Get a personalised view
Contact S&J for help interpreting your situation.
Debt-to-income calculator
Estimated debt-to-income ratio
30%
30%
General guide only. Lenders and debt professionals may assess affordability differently.
Questions
Frequently asked questions
What happens in the first consultation?
We discuss your goals, current debt picture and concerns, then explain potential next steps in plain language. You remain in control of the decision.
Can you help if I have multiple creditors?
Yes. A consultation can help you organise the different accounts and understand which debt-management approaches may be relevant to your circumstances.
Will a consultation affect my credit score?
Simply requesting information from S&J does not itself mean a credit application has been made. Any formal process should be explained to you before you agree to it.
How much does it cost?
Use the enquiry form to ask about the current consultation and service structure. Any fees or charges should be explained before you commit.
Let's talk
Ready to make a plan?
Complete the form and our team can contact you to discuss your situation and the best next step.